... never allow surrender charges to be a factor in making investment decisions,
... never again worry about outliving your money,
... never again worry about the stock market destroying your nest egg,
... never again purchase a traditional nursing home policy,
... never again shop for interest rates on your CD's,
... never again leave money to charity with a will,
... transfer your old annuity accounts into 'tax free' accounts
... give serious consideration to leaving your IRA or 401K accounts to charity,
... would never again overlook the potential of a charitable gift annuity,